Frequently asked questions

Will I be instantly covered?

We aim to get you covered by the date you have requested. All policies submitted online have to be checked before cover can start. If you have any questions or want to check the progress of a policy please call us.

How long will you hold a quote for?

We will hold a quote and keep the rate for 30 days after you have taken a quote online. After this 30 day period you will have to go through the quote process again.

Do you offer a range of insurers?

Yes, we use a panel with a wide range of major UK liability insurers and offer you quotes based on your specific needs. Some situations will receive quotes from more insurers than others because each insurer has different requirements and specialisms.

My non-standard business is not on your quotation system. What should I do?

There are a number of types of commercial business that we are unable to put on our quotation system, usually because of the type of information required or because they need to be individually underwritten. Quotation request forms are on the system for businesses which come up as 'refer trades' or fall outside the normal scope of cover. Most quotations take 48 hours but more complicated risks might take longer.

I have financial difficulties due to Covid 19

Support is available if you are an existing customer and are experiencing financial difficulties due to the current situation.

Please contact ourselves to see what support we are able to offer. We can look at;

  • Your level of cover – Is the amount of cover still suitable? A reduction of cover may bring your premium down.
  • Removing additional products – Removing extra cover you may not currently need may reduce your premium.
  • Delaying a monthly payment – you may be eligible to defer one or more of your monthly payments.

Will I be charged immediately?

If you pay by credit or debit card you will be charged at the time you submit your policy.

Is your site secure?

Yes, once you enter the quote process you will be protected by high level SSL encryption to ensure your privacy and security is protected.

What types of payment are accepted?

We can accept payment for the full amount by credit or debit card. Payment can be spread over a year by direct debit as long as the premium exceeds £100.

  • Debit card: there is no extra charge made for debit cards or credit cards.
  • Direct debit: a deposit is required to cover the first few months of cover then the remainder is spread over ten monthly payments. Interest charges are added to the price.

What can I do if I have a complaint?

It is our intention to provide you with a high level of customer service at all times, however, if you wish to register a complaint, please contact us:

  • In Writing: The Complaints Manager, CETA Insurance Limited, CETA House, Cromwell Business Park, Chipping Norton, Oxfordshire, OX7 5SR
  • By Phone: 01608 647631
  • By Email: [email protected]

If your complaint relates to a policy underwritten by an insurer at Lloyd’s please note that in some circumstances we may not be authorised to handle your complaint and will need to pass this onto your insurer. Please refer to your policy wording for full details of the complaints procedure in relation to your policy.

Details of Lloyd’s complaints procedures are set out in a leaflet “HOW WE WILL HANDLE YOUR COMPLAINT” available at and also available from the address below.

Where we hold authority to handle your complaint on behalf of an insurer at Lloyd’s and you are dissatisfied with the response that you receive from us, you can refer your complaint to Lloyd’s. Lloyd’s will investigate the matter and provide a final response. Lloyd's contact details are as follows:

One Lime Street
London EC3M 7HA
Email: [email protected]
Telephone: +44 (0)20 7327 5693
Fax: +44 (0)20 7327 5225

Ultimately, should you remain dissatisfied with the response from any of the above, you may, if you are eligible, refer your complaint to the Financial Ombudsman Service (FOS).

If you wish to complain about an insurance policy purchased online you may be able to use the European Commission's Online Dispute Resolution platform, which can be found at the following address:

Have you already got a quote?

Just enter your reference number and email address to recall your quote.